Officer - Leveraged Finance Credit Underwriting - C11 - Mumbai

3 days ago


Mumbai, Maharashtra, India Citi Full time ₹ 6,00,000 - ₹ 18,00,000 per year
Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Job Description

Leveraged Finance Underwriting – Snr Analyst

The Global Leveraged Finance Underwriting Credit Team ("LFU") within Institutional Credit Management ("ICM") is seeking an Snr Analyst to join its Analytics team. The Snr Analyst is a professional with the goal to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to broader ICM Underwriting and Banking, Capital Markets and Advisory's (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG. The Snr Analyst will work with the rest of the LFU team to create a best-in-class Leveraged Lending Underwriting organization with the primary goal of materially enhancing Citi's end-to-end Leveraged Lending credit management process.

The Snr Analyst will be responsible for writing Annual Reviews and Quarterly Reviews, and for supporting LFU Underwriters on transactions.

Analyst Role and Responsibilities:

  • Assess the credit and financial strength of Citi's most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
  • Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to LFU Underwriters, Risk and BCMA partners
  • Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
  • Assess the borrower's cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
  • Provide analytical support across LFU's core functions: (1) Leveraged Lending transaction origination and credit approval; (2) portfolio management and early problem recognition; (3) global leveraged lending related projects and strategic initiatives

Qualifications:

  • 4-7 years of credit analysis, origination, or relevant credit experience
  • Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
  • Team player with strong work ethic who also works well with others at all levels
  • Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Advanced knowledge of Microsoft Word, Excel, and PowerPoint
  • Three statements financial modeling experience
  • Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
  • Awareness and adherence to the control environment including Quality Assurance and Quality Control

Education:

MBA or CFA or CA

-

Job Family Group:

Risk Management

-

Job Family:

Credit Decisions

-

Time Type:

Full time

-

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

-

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

-

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi's EEO Policy Statement and the Know Your Rights poster.



  • Mumbai, Maharashtra, India Citi Full time ₹ 15,00,000 - ₹ 20,00,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...


  • Mumbai, Maharashtra, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...


  • Mumbai, Maharashtra, India Mihuru Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Credit Underwriter – TNPL (Travel Now Pay Later) and Business Loan (One Position Each)About MihuruMihuru is a dynamic travel-focused finance platform, driven by the mission to make travel more affordable and accessible to everyone. The name "Mihuru" itself embodies the essence of our vision, translating to "My Freedom". With products like "Travel Now Pay...


  • Mumbai, Maharashtra, India Mihuru Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Underwriters – TNPL (Travel Now Pay Later) and Business Loan (One Position Each)About MihuruMihuru is a dynamic travel-focused finance platform, driven by the mission to make travel more affordable and accessible to everyone. The name "Mihuru" itself embodies the essence of our vision, translating to "My Freedom". With products like "Travel Now Pay...


  • Mumbai, Maharashtra, India Mihuru Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Junior Credit Underwriters – TNPL (Travel Now Pay Later) and Business Loan (One Position Each)About MihuruMihuru is a dynamic travel-focused finance platform, driven by the mission to make travel more affordable and accessible to everyone. The name "Mihuru" itself embodies the essence of our vision, translating to "My Freedom". With products like "Travel...

  • Senior Credit Manager

    4 weeks ago


    Mumbai, Maharashtra, India Piramal Finance Full time

    We are hiring for Credit Professionals with experience of 4 - 8 years for a role in Piramal Finance (Wholesale RE Lending team) Post graduates with an inclination for Corporate financing, real estate underwriting and Credit Book management. The person would assist the zonal credit heads in evaluating investment opportunities within real estate secotr...

  • Senior Credit Manager

    3 weeks ago


    Mumbai, Maharashtra, India Piramal Finance Full time

    We are hiring for Credit Professionals with experience of 4 - 8 years for a role in Piramal Finance (Wholesale RE Lending team)Post graduates with an inclination for Corporate financing, real estate underwriting and Credit Book management. The person would assist the zonal credit heads in evaluating investment opportunities within real estate secotr...


  • Mumbai, Maharashtra, India LiquiLoans Full time ₹ 10,00,000 - ₹ 25,00,000 per year

    Job Role:- Team Lead- Credit UnderwriterJob Location:- Andheri, MumbaiExperience Required:- Minimum 5+ years in Credit UnderwritingJob Description:Key Responsibilities:Lead and manage the credit and risk team, ensuring smooth day-to-day functioning.Analyze credit and risk data to derive meaningful insights; prepare presentations for stakeholders and...

  • Senior Credit Manager

    10 hours ago


    Mumbai, Maharashtra, India Piramal Finance Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    We are hiring for Credit Professionals with experience of 4 - 8 years for a role in Piramal Finance (Wholesale RE Lending team)Post graduates with an inclination for Corporate financing, real estate underwriting and Credit Book management. The person would assist the zonal credit heads in evaluating investment opportunities within real estate secotr...

  • Chief Credit Officer

    7 hours ago


    Mumbai, Maharashtra, India SME CREDIT CHECK PVT. LTD. Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role Overview:SME Credit Check is seeking an experienced and strategic Chief Credit Officer to lead our credit risk management, policy development, and credit operations. The ideal candidate will have a strong background in assessing credit risk, managing lending portfolios, and ensuring regulatory compliance to support our SME-focused credit services.Key...